Frequently Asked Questions

We help you stay ahead and informed with these helpful answers on protecting yourself, your home, business and more.

What happens if I under-insure/over-insure my vehicle?

If your vehicle is under-insured, you will be considered self-insured for the difference. For example, if your vehicle has been lost or damaged, you will only be partially compensated up to the Sum Insured you have chosen.

If you have over-insured your vehicle, you would have paid a higher but unnecessary premium. If your vehicle is over-insured when it was stolen and not found, we will settle your claim to cover the loss incurred up to the market value of your vehicle.

Recent FAQ

What is Legal Liability of Passengers for Negligent Acts (L.L.o.P) cover?

This protects you against a third-party claim for damages from the negligence...

Document Checklist

What should I do if my claim is rejected?

If your claim has been denied, you are entitled to an explanation by your insurance company. Should you find grounds to appeal this decision...

What Marine insurance does P&O Insurance offer?

P&O Insurance provides coverage through 3 different products...